Identifying the right home loan for you

Mortgage Choice's unique software helps your broker to provide you with quick answers to your key questions: 'Which lenders do I qualify with?' and, crucially, 'How much can I borrow?' The amount can vary a lot from lender to lender, even though your financial circumstances are the same.

Your Mortgage Choice broker will enter details about your requirements and circumstances, and within seconds our Loan Qualifier software checks the lending criteria of a wide range of lenders from our panel. You can then compare the results together.

Flexible enough to answer your questions

Our software also lets you explore various scenarios with your mortgage broker: What if you paid off your credit card? What if you had a larger deposit? What if your parents go guarantor? You can quickly find out what you need to do to increase your borrowing power and open up new opportunities.

Once you’ve chosen a lender that meets your needs, your broker can switch across to examine that lender's product offering in more detail. As you look through the features, you’ll be able to compare and decide which home loan is right for you.

It's not just about interest rates and fees

A home loan needs to have the features that you’re looking for. Do you want to be able to make extra payments? Do you want an offset account? What sort of penalties apply if you pay out the loan early? Do you want to access funds through internet banking?

On one screen you can compare the features of the mortgages and drill into the details that matter to you. When you find a home loan that you want to consider, your broker can walk through the details for you. If you are interested in more than one product the information will be presented in the same format to make it easier to evaluate options.

Once you and your broker have decided on a loan that suits you, Mortgage Choice takes care of the rest of the application process.

Compare home loans with expert advice. Talk to Mortgage Choice today.

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Talk to a Mortgage Choice expert

Established in 1992 by brothers Rod and Peter Higgins, Mortgage Choice was founded with the aim to help Australians improve their financial situation by offering a choice of home loan providers, coupled with the expert advice of a mortgage professional.

Since that time, we have grown and developed into a fully fledged financial services provider, and our founding principle remains very much at the heart of what we do.

Over 25 years of industry experience has taught us that you want advice you can trust and understand, from experts who have your best interests at heart. We now have the ability to deliver this across various financial products, including home loans, financial planning, car loans, personal loans, commercial loans, asset finance, deposit bonds, as well as risk and general insurance.

Disclaimer

The information provided on this website is for general education purposes only and is not intended to constitute specialist or personal advice. This website has been prepared without taking into account your objectives, financial situation or needs. Because of this, you should consider the appropriateness of the advice to your own situation and needs before taking any action. It should not be relied upon for the purposes of entering into any legal or financial commitments. Specific investment advice should be obtained from a suitably qualified professional before adopting any investment strategy. If any financial product has been mentioned, you should obtain and read a copy of the relevant Product Disclosure Statement and consider the information contained within that Statement with regard to your personal circumstances, before making any decision about whether to acquire the product. You can obtain a copy of the PDS by emailing info@mortgagechoice.com.au or by calling 13 77 62.

#The comparison rate provided is based on a loan amount of $150,000 and a term of 25 years. WARNING: This Comparison Rate applies only to the example or examples given. Different amounts and terms will result in different Comparison Rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the Comparison Rate but may influence the cost of the loan.